All Episodes
Cover Your Assets Podcast with Billy Gwaltney — 163 episodes
Are you aware of the 'missing work' knockout question for GSI disability insurance?
What are the residents and fellows eligibility Rules for the Guardian GSI?
Should I Increase to the Max coverage if I Don’t “Need” the Max?
Can I Increase Coverage While on Claim?
Is it OK to Cancel my Private Specialty Disability Policy?
Terminal Illness Rider & Conversion Extension Rider: Why Are They Important for Term Life Insurance?
The Best Term Life Insurance Policy is not Always the Cheapest - Buyer Beware
Can I Buy Less Disability Coverage While on a Tight Budget in Training?
What Happens During a Disability Claim?
Your Quote Email for Ameritas Guaranteed Standard Issue (GSI)
Your Quote Email for Guardian Guaranteed Standard Issue (GSI)
Your Quote Spreadsheet with Benefit Increase Rider (BIR)
What is the Presumptive Benefit?
Knowing What Your Medical Records Say
Does the BIR Expire?
Can I Collect From Both Private Disability and Group LTD?
How Production Pay is Counted Toward the Maximum Coverage Available
How Group LTD Factors into the Maximum Coverage Available
How the Top Carriers Calculate the Maximum Coverage Available
What is a Foreign Travel Exclusion?
Would Warren Buffett Insure His Most Important Asset?
How Frequently Can I Increase my Coverage Through the Benefit Increase Rider or FIO?
Beware of Your Employer’s Group Long-Term Disability Policy
What Happens to my Disability if the Benefit Increase Rider is Removed?
Disability Claims are Not the Same as Health Insurance Claims
Maximizing Disability Coverage for New Attending Physicians
Group Disability Policies Vs. Private Specialty Coverage
Understanding the AMA Disability Policy
Navigating Disability Insurance: Graded vs. Level Premiums
Navigating Long-Term Disability Insurance: Voluntary Employer Group Long-Term Disability Policies
Do I Pay an Extra Fee to Work With You?
Is Working With a Disability Specialist Broker Better Than Working With a Financial Planner?
What Is the Enhanced Residual Benefit and Is It Important for Me?
What Is the Recovery Benefit and Do I Really Need It?
If My Income Goes Up in the Future, What Happens to My Disability Policy?
If My Income Goes Down in the Future, What Happens to My Disability Policy?
What Happens to My Policy if I Change Specialties?
Traditional vs. Principles-Based Approach to Risk Management: Cover Your Assets…From All Angles, Session 4
What Does "Guaranteed Renewable Only" Mean?
What Does Noncancelable and Guaranteed Renewable Mean?
Financial Tools and Strategies: Cover Your Assets…From All Angles, Session 3
Financial Goals and Personal Values: Cover Your Assets…From All Angles, Session 2
Understanding Financial Mindsets: Cover Your Assets…From All Angles, Session 1
My Promise to Every Client
What if I Don't Have Time to Research the Options?
Your Employer is Not Neutral When They Promote Their Group LTD Policy
Buyer Beware: The Term 'Own Occupation' Means Different Things Depending on the Type of Policy
The Streamlined Medical Screening Process for Trainees
What Happens to My Policy if My Agent is Not Involved? (Orphaned Policyholders)
Cover Your Assets…From All Angles with Financial Advisor Kyle Christensen
Cover Your Assets…From All Angles with Financial Advisor John Navin
If I Do GSI, Does the Broker Still Matter?
Vital Importance of Applying for GSI First (Before Applying Elsewhere)
Quote Spreadsheet Overview with Benefit Increase Rider (BIR)
Process for Enrolling – Guardian GSI (Don’t Apply Elsewhere First)
Process for Enrolling – Ameritas GSI (Don’t Apply Elsewhere First)
The Ameritas GSI Details for OhioHealth (Guaranteed Standard Issue)
The Ameritas GSI details for Ohio State University (Guaranteed Standard Issue)
Guardian’s GSI Details for the University of Rochester (Guaranteed Standard Issue)
Guardian’s GSI Details for NewYork-Presbyterian (Guaranteed Standard Issue)
Back by Popular Demand: Two Types of Disability Policies
Back by Popular Demand: Discounts - How Do They Work, Who Can Get Them?
Back by Popular Demand: Why Buy Early
Back by Popular Demand: Do I Need a Broker?
Back by Popular Demand: What Are the Top 4 Insurance Companies?
Back by Popular Demand: Buyer Beware of a Lower Rate
Should I Choose the Benefit Increase Rider (BIR) or Future Increase Option (FIO)?
How to Choose the Right Disability Policy for You
What Does it Mean to be a Truly Independent Broker?
How Long Does a Disability Claim Usually Last?
Three Pillars of Top Disability Policy
Why Do I Need to Sign HIPAA and HIV Forms
Buyer Beware of a Lower Rate
Why I Wrote the Book "Disability Insurance For Physicians"
How is My Maximum Private Disability Benefit Calculated Once I’m an Attending?
Should Physicians Think Like Entrepreneurs?
What Are The Top 4 Insurance Companies?
What’s next (after getting the discounted quotes for the top four specialty occupation disabilty contracts)?
Explaining the Benefit Increase Rider
Physicians-Entrepreneurial Approach to Financial Planning with Kyle Christensen, Part 2
Physicians-Entrepreneurial Approach to Financial Planning with Kyle Christensen, Part 1
Why The Broker Matters
Do I need a broker?
Is Disability Insurance Really Worth It? With Dr. Naguib Farah
How long does the medical screening take?
What is the process for buying a policy?
Why buy early?
Discounts - How do they work, who can get them?
Ending soon-Gender neutral discount in Massachusetts
Should I pay down debt or increase my disability coverage?
A young physician’s most important asset
What factors determine the cost of my disability policies?
Two types of disability policies
Big gaps in employer long term disability policies
Principal's benefit update rider: How it works
Underwriting & Medical Records
Certainty is the expectation
Should I purchase Disability insurance before moving to California
What if I do lots of Procedures & lots of Clinic
Billy's initial conversation with a Female Trainee
Paying student loans if disabled
Explaining the Guardian future insurability option
Explaining the Mass Mutual future insurability option
Top 5: Ten minute crash course on specialty disability insurance
Top 5: Why should I get disability coverage in residency or fellowship?
Top 5: What is the process for obtaining specialty disability coverage?
Top 5: What is the 'specialty own occupation' definition of disability
Initial spreadsheet overview with a Non-Surgeon Trainee
Initial spreadsheet overview with a Surgeon Trainee
The rate is the rate
Top 5: How much life insurance do I need?
Explaining the Ameritas guaranteed renewable premium option
Explaining the Ameritas Nondisabling Injury Benefit
How do I budget for disability insurance while in training
Does what my broker says matter
What is wrong with the AMA policy
Mass Mutual's Future insurability option vs Benefit increase rider
If disabled can I collect from both private coverage & also employer group LTD
As a trainee how much private disability coverage can I purchase
As a trainee does Employer LTD impact how much private disability coverage can I purchase
As an attending how much private disability coverage can I purchase
How important is the COLA calculation
Clarifying Psychiatric vs Mental Nervous
Explaining the Future Insurability Option
Explaining Principal's Benefit Update rider
Should I combine my Life insurance with same company as disability insurance
Should I buy life insurance when buying specialty disability coverage
If I'm not a surgeon do I still need specialty occupation coverage
What if I think I'm medically uninsurable
What if I'm less than perfect medically & have exclusions on my policy
Why are disability rates for females higher & how should I handle this if I'm a female
Principal - Why are they a top tier contract
Guardian - Why are they a top tier contract
Ameritas - Why are they a top tier contract
Interview with Dennis Peyton, Disability claims expert Part 2
Interview with Dennis Peyton, Disability claims expert Part 1
Mass Mutual - Why are they a top tier contract
What are the factors that determine my rate
Is my specialty policy portable
What are the most common types of disabilities
What are my chances of becoming disabled
What is the difference between level premium & graded premium
Does the cost of my disability policy increase over time
Is it ever wise to purchase whole life insurance
Why I love working with physicians
How important is the psychiatric benefit?
What is the Future insurability option and do I need it?
What are the elimination period and COLA rider?
Do I need to purchase term life insurance while in training?
How much life insurance do I need?
Explaining the PPG Concierge Experience
What is a recovery benefit and do I need it?
What is a residual benefit and do i need it?
What is the process for obtaining specialty disability coverage?
Is working with an insurance specialist better than a general financial advisor?
Do I pay you an extra fee for your expertise?
Can I count on my group and/or employer LTD policy?
Why should I get disability coverage in residency or fellowship?
Why is medical underwriting required for insurance?
What is the 'specialty own occupation' definition of disability
Ten minute crash course on specialty disability insurance
Why Specialty Disability Insurance Matters to You
Cover Your Assets Intro